Services


We are an independent financial firm that is completely focused on serving our clients.

We provide individual, custom services in three primary areas of expertise:


ACCOUNTING & TAX 

Tax planning is the core of our business. We have over 48 combined years of providing professional and effective income tax work and advice.

We assist individuals, families, and small businesses (including partnerships, LLC/LLPs, and corporations) in a goal to maximize tax efficiency within the limits of the tax code as well as federal and state laws and regulations.

Our primary area of focus is on families and small businesses. We can assist in an advisory role in mid- to larger businesses but are not able to offer bookkeeping services.

Our fee schedule is available here.


INVESTMENT PLANNING 

Both of our investment advisors provide investment planning and advice centered around each of our individual clients. We firmly believe that our job is not to fit clients into investments, but rather to build investments around each specific client. This takes time and effort but there are no shortcuts in building a solid plan.

We strongly believe that personal finance is far more personal than financial.

We are independent advisors and are not captive agents of any financial firm or investment provider. Our relationship is with our clients. We believe that this independence allows us to make decisions and recommendations in the best interests of our clients, not our parent firm.

Since income taxes can be a threat to any investors' net worth, we believe in integrating investment planning with income tax planning. Investment advice may not be as helpful if your advisor doesn't fully understand your specific income tax situation, and meeting with a CPA or other tax professional once per year during tax season isn't enough to develop a professional relationship centered around you.

The second greatest threat to investors is their own behavioral and cognitive biases, and thus we make ourselves available to our clients and focus on long-term results over short-term rewards.


FINANCIAL PLANNING 

Comprehensive financial planning is a part of everything we do, but has been growing as an area of focus for our practice. Bill is a Certified Financial Planner™ professional and integrates the six steps of the financial planning process either separately or as part of our meetings with tax, investment, and insurance planning clients.

Financial planning is a process, not a solution. A well-structured plan can help you reach your financial goals by evaluating your overall financial circumstance, then outlining strategies that are tailored to your individual needs. There is no guarantee, however, that any particular strategy will work under all market conditions.